Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho October 23, 2025

The Hidden Costs of Homeownership and How to Prepare for Them

Buying a home is one of life’s biggest milestones, but it also comes with ongoing responsibilities that many first-time buyers overlook. The purchase price and mortgage are only part of the picture. Once the excitement of closing day fades, new homeowners often discover a range of hidden costs that can affect their monthly budgets and long-term financial stability. Regular Maintenance and RepairsEvery home, no matter how new, requires upkeep. From cleaning gutters to servicing heating and … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Home Budgeting, Home Maintenance, Property Taxes

Bob Ramalho September 10, 2025

How Property Taxes Are Calculated and What Every Buyer Should Know

When you are planning to buy a home, there is one number that should never be overlooked: property taxes.Property taxes can have a big impact on your monthly budget and your long-term costs of ownership. Whether you are buying your very first home, moving to a new area, or considering an investment property, it is important to understand how these taxes are calculated. Knowing what to expect will help you avoid surprises and give you a clearer picture of what you can comfortably afford. Property … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Home Buyer Tips, Property Taxes, Real Estate Tips

Bob Ramalho March 13, 2024

The Role of Mortgage Escrow Accounts in Property Tax and Insurance Payments

A mortgage escrow account, also known simply as an escrow account, is a financial arrangement set up by a mortgage lender to manage and disburse certain payments related to the property on behalf of the homeowner. The purpose of an escrow account is to ensure that essential expenses, such as property taxes and homeowners’ insurance, are paid on time. Here's how a mortgage escrow account works: Creation of Escrow Account: When you obtain a mortgage loan, your lender may require you to … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Escrow, New Home, Property Taxes

Bob Ramalho February 21, 2024

A New Homebuyer’s Guide to Understanding Property Taxes

Purchasing a new home is an exciting milestone, but it also comes with various responsibilities, including understanding property taxes. Property taxes are a crucial aspect of homeownership, as they contribute to local government funding and services. In this guide, we'll break down everything you need to know about property taxes as a new homebuyer. What Are Property Taxes? Property taxes are taxes imposed by local governments on property owners. These taxes are based on the assessed value of … [Read more...]

Filed Under: Real Estate Tagged With: New Homebuyer, Property Taxes, Real Estate

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Recent Articles

  • The Hidden Costs of Homeownership and How to Prepare for Them
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